exityear lite
a free and private financial projection tool with a bit more oomph than others
This is example data. Meet Alex, 30, planning to exit by 60. Edit any field to make it yours.
Projected shortfall starting at age 30, totaling $3,948 by age 32:
- $4,129 in unfunded contributions
Consider increasing income, reducing contributions, or adjusting expenses.
Heads up: between ages 30 and 33, income doesn't cover the contributions you've set — often because income ends before retirement. Your savings aren't at risk, they just grow less than planned. Consider setting those contributions to stop earlier (Assets → “Add until”), or adjusting when income ends.
Assumptions
Assets
| Name | Type | Balance | Monthly + | Growth | Add until | |
|---|---|---|---|---|---|---|
$ | $ | % | ||||
$ | $ | % | ||||
$ | $ | % | ||||
$ | $ | % | ||||
$ | $ | % | ||||
$ | $ | % |
Liabilities
| Name | Type | Balance | Rate | Min pmt | Yrs left | |
|---|---|---|---|---|---|---|
$ | % | $1,327 | ||||
$ | % | $287 |
Income
Enter income before tax — the Tax rate in Assumptions takes it out. If you only know your take-home, work back from a paycheck.
| Name | Type | Annual | Growth | %/yr | Starts at age | Ends at age | |
|---|---|---|---|---|---|---|---|
$ | CPI | ||||||
$ | CPI |
Living expenses
Healthcare before Medicare is the expense most early-retirement plans get wrong — model it here, then set the number below.
| Name | Category | Monthly | Annual | In retirement | Inflation? | Starts at age | Ends at age | |
|---|---|---|---|---|---|---|---|---|
$ | $18,000 | $ | ||||||
$ | $7,200 | $ | ||||||
$ | $5,400 | $ | ||||||
$ | $4,200 | $ | ||||||
$ | $10,800 | $ |
Life events
| Name | Type | Amount | Frequency | Taxable? | At age | Until age | |
|---|---|---|---|---|---|---|---|
$ | — |
Explore
Previews only — your plan is untouched.
Stress test
Monte Carlo
Milestones
Illustrative only. Not financial advice. Exityear Lite is a simplified, sunset version of a retired product, kept online as a portfolio showcase. Projections are deterministic estimates based on the assumptions you enter, use a simplified flat tax rate, and omit market volatility and many real-world factors. Some links may be sponsored affiliate recommendations where we earn a commission at no additional cost to you. Do not use it to make financial decisions. Consult a qualified professional.